Which crypto card actually fits how you spend?
Answer four questions. We match you against the crypto cards in our register and rank them on the one thing you say matters most: crypto-back, lowest fees, travel, holding your own crypto, or the strongest money protection. Every match leads with the issuer, the regulator and what protects your money, before the reward. We rank on your answers, not on who pays us.
Where do you live?
Sets which cards you can actually get. We filter out any card that is not available where you live.
What matters most to you?
Pick the one thing you care about most. It sets how we rank your matches. You can read every card's full detail either way.
Would you lock up tokens to earn a higher rate?
Several cards advertise a high headline rate only if you stake (lock) the issuer's own token. Locking ties up money and carries the token's price risk. We only count a high rate if you are willing to pay its cost.
How often do you spend in another currency?
Foreign-currency spending is where conversion markups (FX fees) bite. This weights the cost comparison toward what you actually do.
Any card preferences?
Optional. Selecting a network filters to cards on that scheme. Leave blank to consider all.
Complete steps 1, 2, 3 and 4 to see your matches.
How we rank, and how we make money
You tell us the one thing that matters most. We rank the cards in our register against that, using the fixed rubric below, then show issuer, regulator and money-protection first on every result so the reward never hides the risk. Position is never sold or negotiated, and we take no commission from any card issuer. The site is funded by display advertising, which never changes your ranking or what you pay.
Scoring rubric
| Dimension | What it measures | Weight |
|---|---|---|
| Country availability | Is the card issued to residents of your country? | Hard filter (excluded = no result) |
| Your priority | The single thing you picked: crypto-back, lowest fees, travel, self-custodial, or bank protection | Primary rank |
| Staking willingness | Whether a high rate that needs a token lock counts for you, or only the no-lock base rate | Gates which reward rate is used |
| Foreign-currency spend | How often you spend in another currency, weighting the FX-markup cost | Secondary (cost fit) |
| Network preference | Visa or Mastercard, if you selected one | Filter (optional) |
| Issuer trust | Confirmed issuer entity and regulator rank above pending ones (tie-break) | Tie-break |
What protects your money, and why it is shown first
Most of these cards are issued by an electronic-money institution (EMI). Your balance is then protected by safeguarding under Article 7 of the E-Money Directive: the issuer must hold client funds separately, but this is not a bank deposit guarantee. One card here, Revolut, is issued by a licensed bank (Revolut Bank UAB, Bank of Lithuania / ECB), so its cash balance falls under the Lithuanian Deposit Guarantee Scheme up to EUR 100,000. One card, Gnosis Pay, is hybrid: the on-chain balance you spend from is self-custodied in your own wallet and is not covered by EMI safeguarding or a deposit-guarantee scheme. These are genuinely different protection regimes, which is why every result states the issuer, the regulator and the protection type before it states the reward.
Data sources and freshness
Issuer and regulator data is drawn from each card's own terms and confirmed against the relevant national register: MFSA (Malta), ACPR (France), CBI (Ireland) and the Bank of Lithuania. Reward rates, fees and availability are commercial terms that change; each card carries the date we last checked it and a link to the issuer page we checked. Where a fee is not yet independently confirmed, the card says so. Two issuers, Coinbase and Wirex, are marked pending until we confirm the issuing entity against the register; their cards carry that caveat and are not presented as confirmed.
What this tool does not do
It does not open an account for you, collect any application data, or submit anything on your behalf. It runs entirely in your browser. It does not show a star rating or a single overall score, because money protection, reward and cost are different things that a single number would blur. It covers the cards in our register, not every crypto card on the market.
Why a crypto card's issuer matters more than its rewards
A crypto card is a payment card that draws on a crypto or stablecoin balance and, on most products, pays a reward back in crypto. The headline number is usually the reward rate. The number that actually protects you is the issuer. Almost every card in this register is run by an electronic-money institution under a contract with the crypto brand whose name is on the card, and your money is protected by EMI safeguarding rather than a bank deposit guarantee. That is a meaningful difference: safeguarding requires client funds to be held separately, but it is not the same as the deposit-guarantee scheme that covers a bank account up to EUR 100,000. This is why our matches lead with the issuing entity and its regulator, then the protection type, and only then the reward.
How staking changes a card's real reward
Several cards advertise a high top reward rate, but that rate is only available if you stake, or lock, a quantity of the issuer's own token. The lock ties up capital and exposes you to the token's price, which can fall. A rate that needs a large lock is not comparable to a rate you earn with no lock at all. That is the entire point of step 3 in this tool: if you say you will not lock tokens, we rank on the base, no-lock rate, and we show any higher tier together with the lock it requires, so the cost is never hidden behind the headline.
Does this tool store any personal data?
No. The questions are answered and scored entirely in your browser using JavaScript. Your answers are never sent to any server, never stored, and never tied to any identifier. There is no account and no login. Each result links only to the card's own profile on this site; there are no outbound apply links and no referral tracking, and we earn no commission from any issuer.
Sources
- E-Money Directive 2009/110/EC (EMI safeguarding, Art. 7)
- Regulation (EU) 2023/1114 (MiCA) - Official Journal
- MFSA - Malta Financial Services Authority
- ACPR - Autorite de controle prudentiel et de resolution (France)
- CBI - Central Bank of Ireland
- Bank of Lithuania (Lietuvos bankas)
- Crypto.com card terms (2026-06-20)
- Bybit card terms (2026-06-20)
- Bitpanda card terms (2026-06-20)
- Coinbase card terms (2026-06-20)
- Wirex card terms (2026-06-20)
- Gnosis Pay card terms (2026-06-20)
- Revolut card terms (2026-06-20)
- OKX card terms (2026-06-21)
No listed card issuer has influenced the scoring rubric, the dataset or the editorial content. The Crypto Register is independent; see our methodology.